Savings Goals

Computes required monthly savings to hit financial targets like retirement nest eggs, college funds, and down payments. Built around the sinking fund formula and includes inflation-adjusted projections, 529 plan mechanics, safe withdrawal rate targeting (the 4% rule), and a priority framework for balancing competing goals. The worked examples are solid, one walks through an 18-year college savings plan at 7% returns, another shows retirement accumulation with employer match factored in. The goal priority ordering is opinionated but reasonable: emergency fund and employer match first, then high-interest debt, then max out tax-advantaged accounts before touching taxable savings. Most useful when someone asks "am I saving enough" or needs to figure out the monthly number to make a specific future dollar amount happen.